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Urban Home Interiors

Angela Ray

Mortgage Professional

Professional Mortgage Services.

Buying a home



Buying a home is a big step that can be an overwhelming process.   


With over 30 years in the Real Estate Industry, I have the experience and education to guide you through this process, start to finish. 

Looking to access some of the equity in your home? Whether you need it for home improvements, purchasing that cabin at the lake or you simply want to determine if you can cash in on that new, lower rate I'm here to help make it happen.

Mortgage at the end of its term?  Chances are your current lender is offering you a renewal rate.  Should you take it or should you shop around?  Let me do the shopping for you.

Find out how much you can afford in 30 seconds
Find out how much equity you can access in 30 seconds
Sign up for a renewal reminder in 30 seconds
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Looking for current interest rates?

Mortgage coming up for renewal?  Buying an investment property?  25 year amortization or hoping for a lower payment over 30 years?  These are but a few of the many factors that will determine the product and rate that's available to you.

Reaching Your Goals.

Bruised credit?  Part of my service to you as your Mortgage Broker is to guide you towards establishing, re-establishing or repairing your personal credit score.  Whether you are new to Canada, have experienced a Bankruptcy/Consumer Proposal or "life happened", together we will implement a plan to get you ready to achieve your Real Estate goals.

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Did you know? 

You may be eligible to claim the Home Buyers' Amount on your Income Tax Return.

To claim the Home Buyers’ Amount, enter the amount of $10,000 on line 31270 of your tax return.  The non-refundable tax credit rate of 15 percent means the actual reduction of your taxes will be $1,500.00. You can divide the credit between your return and your spouse or common-law partner’s return, but the combined total claimed cannot be greater than $10,000.


About Me

In my 30 years in the Real Estate Industry, I have played almost every role.


I made my debut in the Real Estate Industry as a Legal Assistant facilitating every imaginable real estate transaction, collaborating with Lawyers, Notaries, Municipalities, Realtors, Appraisers, Building Inspectors, Developers, Surveyors, Lenders, Purchasers, Sellers, and more. I've worked in Property Law Litigation and Foreclosure, Wills, Estates and Powers of Attorney. Office Manager at a Real Estate Office? I've done that too. I am confident that the culmination of these experiences has shaped me into an exceptional Mortgage Professional.


Having deep roots in the local Community, and a long-time resident of Vancouver Island, I understand the intricacies of the Real Estate Market on Vancouver Island, The Gulf Islands, and throughout British Columbia. Whether you are purchasing your first home or your tenth, looking to refinance, or are considering real estate as an investment, I have the knowledge and expertise to guide you through this experience, start to finish.  Let’s Get Started…

Vancouver Island

Southern Gulf Islands

Pender Island

Mayne Island

Galiano Island


Comox Valley





Mortgage Broker

Interest Rates

Victoria Mortgage Broker

Vancouver Island Mortgage Brokers

First Time Buyer






BC Ferries



Mill Bay

Brentwood Bay


Salt Spring Island

Campbell River

Port Hardy

Port McNeil

Gold River


Mt. Washington

Port Alberni

Qualicum Beach


What my clients are saying

Lana M.

Angela is an absolute gem. She helped secure a mortgage for me when others could not, and make the process so easy. She made sure any concerns were addressed, and found the best possible rates and terms for my needs. I would highly recommend Angela with no hesitation.

Jonathan L.

From the moment we started this rollercoaster journey, Angela's caring nature and hard work shone through. She swooped in to rescue us from confusion and paperwork-induced panic attacks. I can't tell you how many times I sent her frantic messages, only to receive a calm and reassuring prompt response. She's a superhero disguised as a broker.

Devin C.

Absolutely amazing! Extra 10 miles for my wife and I refinancing our mortgage.  Led us through the whole thing and explained it all with ease!  I would highly recommend Ang to anyone looking for information, refinancing or getting a mortgage.
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